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Our Top Performers by Category

Retail

Retail merchants often use POS systems or have requirements with specific needs for their brick and mortar stores. We know the provider for you!

Ecommerce

Ecommerce is the largest growing global industry. Finding the right merchant account provider in today's worldwide market is hard.

High Risk

High Risk is a classification that can fit a surprising number of businesses. If you're a high risk merchant, we know the right provider for you.

Our Process

We focus on three main areas of interest.

We do the hard work!

We review contracts, rates, and fees to ensure you're getting the best deal. We check every nook and cranny to make sure you don't overpay because of misleading terminology, hidden costs, and deceptive sales tactics.

Read Our Latest Reviews

We Take Complaints Seriously

We scoure every major review and complaints site to ensure our experience with a payment provider is consistent with other customers. Our goal is to be certain you're getting the most honest snapshot of the company at the time of our writing.

If you feel our review reflect a different experience than the one you've had, reach out to us and tell us about it.

  • We check complaints
  • We ask key questions
  • We find answers
  • We talk to the community
  • We keep track

Integration requirements can be just as important as fees and customer service. For many merchants, getting up and running quickly and efficiently is imperative to maintaining uptime, and keeping the revenue stream open. We check every provider's integration process to ensure a smooth transition and onboarding process.

Best Retail Provider 2020

WorldPay

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Sign up for an account with WorldPay

Best Ecommerce Provider 2020

PayPal

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Best High Risk Provider 2020

Sage Pay

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Sign up for an account with Sage Pay

Best Overall Provider 2020

Secure Trading

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Sign up for an account with SecureTrading

Our Latest Review of Independent Merchant Services

 Thursday, February 15th, 2018
Best Payment Providers

Independent Merchant Services’ staff is responsive, courteous, friendly, and knowledgeable. They are eager to help and they really know how to explain thing in easy-to-understand terms. We also appreciate that you don’t have to put any money out to get advice and for them to negotiate on your behalf. Also, with the many positive reviews, it seems customers are happy with their services. Glowing reviews and recommendations aside, it is important to note that you are bound by the contract...

Read Our Full Review
Sign up for an account with Independent Merchant Services

How we rated them

Marketing

Sales

Support

Pricing

Overall

What Our Users Are Saying

PayPal's customer service has declined steadily in recent years. Outside of that, their website is getting better to use, and their service and ubiquity are hard to beat.

Read More User Reviews
What We Liked

What We Like: Independent Merchant Services has knowledge, responsive staff and it does not charge merchants for its brokerage services.

What We Didn't Like

What We Don’t Like: Since Independent Merchant Services acts as a third-party negotiator between merchants and merchant account providers, you have no idea what type of fees, terms, and contracts you are getting into until you are matched with a provider.

A Good Fit For:

Business-type not listed? View more industries
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10 Reasons Why Push Payments Are Great for Lenders

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Counterfeit goods aren’t something new: they’ve been around for many years. The rise of the digital world has facilitated for counterfeiters to sell more goods to a larger number of consumers. This article will show you how the problem of fake products is about more than just monetary losses. Also, it’ll help you with reliable … Continued

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The modern lending environment can make excessive use of push payments. Let’s move forward to see how lenders can benefit from the push payment technology. Push vs. Pull Payments Do you know the difference between pull and push payments? Pull Payments or Debit Transfers: after the borrower has submitted the required data and the payment … Continued

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What is a high-risk merchant account? And why do many businesses choose to use one? A merchant account allows a business to accept and process debit and credit card transactions. Consumers seem to prefer cash and check less and less and are using credit and debit cards more. Thanks to new technologies and mobile devices, … Continued

What is a high risk merchant account? How can I acquire consumer financing for my customers? What is an “optimal” chargeback ratio? How can I negotiate rates under an existing contract? Which banks offer loans to brand new merchants?

Are You High Risk?

Merchant accounts that are classified as high risk operate in industries which are more susceptible to chargebacks, fraud, and other factors that increase risk for the banks providing their services.

You might be considered High Risk if you're:

  • A Merchant with high chargeback ratios
  • In an industry at higher risk for fraud
  • In new, burgeoning markets
Read More About High Risk Find the Right Provider

Find a consumer financing lender

Consumer financing is being adopted heavily by product and service providers that want to garner new customers and give recurring customers the chance to purchase products that were otherwise inaccessible to them before.

For a consumer financing account, you'll need:

  • Proof of operating business
  • Last 3 month bank statements
  • A copy of your articles of incorporation
More About Consumer Financing Find the Right Provider

Chargebacks

Meost banks agree that chargeback ratios should be under 1%. Anything higher and you're going to make yourself and your business susceptible to being categorized as a high-risk business

If your chargebacks are climbing, you should:

  • Find a service provider with Chargeback Alerts
  • Implement Chargeback prevention
Read More About Chargebacks Find the Right Provider

Go for it!

Negotiating rates is a long and arduous process, and we highly recommend that you do this as frequently as you're able. In the payment services business, it's important to keep trying to get the best rates possible, as even a few pennies per transaction can lead to millions for some businesses.

Find the Right Provider

Not Many do

Many banks don't support loans to new businesses and finding a business funding, cash advance, or working capital loan can be an extremely difficult task.

Do you have:

  • 90 days of processing?
  • At least 10k per month in transactions?
  • A business bank account?
Find a Business Loan

Have more questions? Check out our Blog or email our Team

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